Privacy Policy

AdvanceAmericaOnline.com

Effective Date: August 25, 2016

AdvanceAmericaOnline.com (here inafter "Company", "us", "we", or "our") elaborated the privacy policy (hereinafter "Privacy Policy") in order to interpret the management of private information, as defined below, and assure you on its commitment towards protection and privacy of personal details and other information used on the website AdvanceAmericaOnline.com (hereinafter the "Website").

We value your rights and realize the importance of your information privacy and security. We use data collection tools, which provide transparency, accountability and available options regarding your personal information and its management.

You will get access to the contact information, which can be used if you wish to delete your private information from our databases.

Only the residents of the United States of America fall under the terms of the Privacy Policy, because the service provided by the Website is aimed at US residents only. Privacy Policy is aligned with and compiled according to the laws of the United States. If you go through the registration on the Website, you willingly and explicitly accept, without limitation or qualification, the facts of collecting, using and transmitting your data according to the terms of this Privacy Policy. We encourage you to examine this Privacy Policy very attentively and learn about the further actions associated with the activity on the Website and how this Privacy Policy influences your rights and liabilities under the law.

In case you don’t accept the practices of the Company and the Terms and Conditions, which regulate its activity, please, don’t perform any transaction, contact AdvanceAmericaOnline.com in any way, go through the registration process or provide us with your details or other personal information to the Website. If you have questions or need explanations regarding any issue concerning our privacy practices or this Privacy Policy, don’t hesitate to contact us via email or other contact details we provide on the Website. If you need to contact us, please use the following e-mail for your enquiries: contact@AdvanceAmericaOnline.com.

THIS WEBSITE IS ITENDED STRICTLY TO THE LEGAL RESIDENTS OF THE UNITED STATES OVER 18 YEARS OLD. IF YOU OPT TO USE THIS WEBSITE YOU WILLINGLY AND EXPRESSLY ACCEPT THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO THE TERMS OF PRIVACY POLICY AND THE TERMS AND CONDITIONS STATED BY THE COMPANY. YOU SHOULD REFUSE TO USE THE SERVICE OF THE WEBSITE IF YOU DON’T UNDERSTAND OR DON’T AGREE WITH THE PRIVACY POLICY OR OTHER BOUNDING DOCUMENTS ASSOCIATED WITH THE WEBSITE OR THE COMPANY.

1. We Collect the Following Information

By using this Website or the matching services you provide the information which the Company collects and uses according to this Privacy Policy. Upon registration, you provide your personally identifiable information ("PII"), which we collect and use according to the limits of these policies. "PII" is the unique identification and contact details of the individuals. Considering you render this information voluntarily for the purpose of further using the service rendered by the Website, you can refuse to present PII if you don’t require any service. PII includes but is not limited to the following: your first and last names, the date of birth and contact information (telephone, mail and home addresses, zip, email address, social security number, bank account, financial and employment information, and driver’s license number (all together referred to herein as "PII")). We use your SSN and banking information solely to perform the search and matching service and we don't share it with any third party unless otherwise is necessary to perform the service you agree to or unless otherwise is required by applicable law

It’s possible that we also collect your non-personally identifiable information ("NPII") when you are browsing through the pages of this Website. NPII is the details we exploit to generate and analyze the features and specifications of Website usage and track consumer behavior so that to administer it according to your requirements. This form of information is collected whether or not you register or voluntarily submit your details on the Website. NPII includes but not limits the following: user’s browser, user’s Internet Protocol ("IP") address, user’s operating system, referral/exit pages, date/time stamp and/or the domain name of Internet service provider, which enables connection.

We leave the right to transmit NPII to the third parties at our discretion.

2. Usage and Sharing of PII

We require your PII when you work with the Website. We realize the value of your privacy, and put all possible efforts and take all precaution methods to correspond to the relevant legislation, including but not limited to the related privacy protection acts valid in the corresponding state or location.

Generally, the information you provide is used to comply with your requirements regarding your request, respond to your application and enable connection with the third party products, services, offers or promotions considering your enquiry. Moreover, we use the information you willingly render to enable protection from potentially fraudulent activity, to exploit it for other reasons after having your consent, and to use for other purposes permitted by applicable law. Before using your information, we receive your authorization for the Company to share the collected data as set forth herein.

When you provide us with PII, we use it to simplify the procedures associated with the access to the services and products of the third parties you have expressed interest in. In other words, we can pass your PII to a third party lender we officially work with so that to provide you with the products and services you have expressed interest in.

Some of your PII (excluding SSN and banking details) can be used by the Company and shared with the authorized third parties to provide better service delivery and perform technical support on our behalf. These third party companies and individuals are bound by the liabilities and in no way can share your information with the other third party or use your information for any other purpose. It’s possible that we’ll use your information to disputes, troubleshoot technical problems, enforce our agreements with you or make the customization of the Internet service possible for you or/and third parties within the limits of this Privacy Policy and applicable laws. It’s also possible that we share some of the information you provide with consumer reporting and other related agencies, authorized to collect this information via third parties.

In case we consider it necessary we can at our own discretion disclose any/all information if it’s legally required, and in other cases to render the information to authorized governmental entities upon request, or if we consider in good faith necessary to: (a) correspond to legal requirements or comply with legal processes; (b) protect rights or property of the Company or our affiliated companies; (c) act for the purpose of preventing crime or protecting national security; or (d) secure and protect the personal safety of our users or the public as a whole.

It’s possible that we may open and transmit any/all the information to a third party who acquires any part or the whole of our business, either by means of merger, consolidation or purchase of a substantial part or all of our assets. Moreover, if in some case the Company becomes the subject of an insolvency proceeding, either voluntary or involuntary, our liquidator or we ourselves, as well as administrator, receiver or administrative receiver may transmit, sell, license or dispose the information in any way by means of transactions approved by court. It’s possible that we inform our customers about the sale of a substantial part or all of our enterprise to a third party by sending notifications by email or through a prominent notice posted on the Website. It’s also possible that in any of the stated cases the data recipients can potentially be located in any country in the world.

Credit Implications

The third party lenders cooperating with us get access to your personal information and may check, without limitation, your social security and driver's license numbers, as well as any other qualifying information. They use these verification methods to review your information against national databases and determine your credibility, credit standing and/or capacity. Please, consider the fact that multiple requests to the major credit bureaus (Equifax, Transunion and Experian) may result in decreasing credit score. When you enclose and share your personal information using the Website you agree that you enable third parties to verify your information and check your credibility by the means, which these third parties indicate in their terms.

5. Managing Your Privacy

We use different means and analyze your information to make your online experience more personalized. Still we enable the options to limit the information you share with us if you want to limit communication with our service and Third Party Marketers.

In order to close your information from sharing with first and third parties and decrease online tracking from cookies, web beacons and other technologies on a webpage or email (banners), you should refuse to visit the Website, exploit the technologies of changing IP addresses or refuse clicking on or interacting with any advertisements or links.

Here at AdvanceAmericaOnline.com we respect your privacy.we don’t store your Personal information we just connect u with thousands of lenders and ADVANCE AMERICA ONLINE is a free, no obligation financial service, matching prospective borrowers with prospective lenders for short-term loans.

DO NOT TRACK DISCLOSURE: The industry-standard Do-Not-Track protocol has not been established up to this moment. For this reason the means the Company exploits to collect and manage information are aligned with the terms stated in the Privacy Policy despite any "Do Not Track" signals, which certain browsers may send.

6. Your Personally Identifiable Information Security

Company keeps your PII safe in the database using high-end security system so that to shield it from unauthorized access from malicious programs and provide only accurate maintenance and usage of the stated information. Apart from appropriate physical, electronic and managerial security means and procedures that we exploit to protect you, we implement all necessary measures to shield you against the loss, inappropriate usage and alteration of the information under our control.

Your information is never used publically and the access to the data you provide is limited. Only the authorized employees get access to PII and they are limited to use the information strictly to preform specific functions within the premises of the office and to perform the procedures you gave your consent to only. All the employees who have access to the PII guarantee security and privacy to PII, to the extent reasonably possible. In case any accident happens and any employee fails to adhere to our policies, he or she is subjected to disciplinary actions.

Nevertheless, the Company can’t guarantee for 100% that the security measures will prevent the computers and other devices of the Company to be subjected to violations or other illegal intervention as much as the stored data to be stolen or changed. In such cases, the Company can’t carry responsibility for these actions. Still, you can request your information to be erased from the databases or altered as detailed below.

In case any security violation takes place, we guarantee to inform you regarding the state of your PII in compliance with applicable federal and state laws. Apart from that, Third Party Marketers are contractually responsible for protecting your PII to the extent reasonably possible.

7. No Information Is Collected from Children

We encourage parents to monitor their children’s activity online and keep track of the operations performed online by them. We guarantee not to collect any information including PII about the children under the age of eighteen (18) years old. We will immediately delete any information received from children or connected to the PII about a child under the age of eighteen (18) years old.

Considering we don’t receive any information of the kind, we don’t store or manage any data about children, nor we share it with third parties. This Privacy Policy was designed in order to comply with the Children’s Privacy Protection Act ("COPPA").

8. Consent to Electronic Disclosures

Your submission of information through our Website implies that you consent to receive periodic notifications, documents and disclosures from our Company electronically. This consent also applies to the information provided through our Website and any further communications provided by our Company or Third Party Marketers. Through the submission of your information you are implying acceptance of disclosures, notifications and documents from our Company and Third Party Marketers all in accordance with our Privacy Policy. Should you desire to withdraw your consent prior to submission, you simply need to exit the Website or close your browser. Keep in mind that you will not be able to submit any information should you withdraw consent in one of the mentioned manners. After the information has been submitted, you are able to withdraw consent from Third Party Marketers by contacting them directly. Any notifications, documents or disclosures that are shared electronically from our Company or Third Party Marketers should always be considered ‘in writing’ and a copy should be printed for your records.

Per the Federal Electronic Signatures in Global and national Commerce Act users agree to apply consent to (i) receive documents, disclosures and notifications in an electronic format; (ii) the information you provide, (iii) and that is shared by the Company and Third Party Marketers in order to conduct business electronically. Once information is submitted and completed, you are agreeing to provide our Company with a complete and correct email address and other required information requested in order to receive electronic notifications, disclosures and documents. Your completion and submission of information through our Website also acknowledges that you have read through and agree to the terms of our Electronic disclosure agreement.

Our Company and Third Party Marketers reserve the right to discontinue electronic provisions of documents and notifications at any time. Our users will be provided with prior notification of terminations or changes as required by law. As the means to process records faster, facilitate electronic commerce and reduce storage expenses, users are agreeing that all records are electronically stored and that neither our Company, nor any third party, is obligated to retain original hardcopy documents for any length of time beyond regulated requirements. This should apply to all disclosures, documents and notifications. Users also acknowledge that all electronic disclosures, documents and notifications can be routinely destroyed after a period of time determined by regulatory requirements. Electronic storage of records, through filming, scanning and imaging, can be completed through internal processes or by third party processes that our Company and any Third Party Marketer would approve to complete these services. You consent that any such records be recognized and usable as the evidence to prove validation of rights, obligations and agreements between all parties pursuant to these records. Our Company will retain information for a length of time that is necessary to provide users with our services.

9. Links to Other Websites and Third Party Privacy Practices

Our Company may provide links to third party sources for additional information and your convenience, and we encourage them to have privacy policies, which protect the use of your PII. However, third party use is not under our control, and we are not to be held liable for any practices or content of such websites. Whether there is a link to another site, or not, you acknowledge that other sites and Third Party Marketers have their own privacy policies and you agree that you have reviewed their collection and disclosure practices before using any link. We encourage all users to become familiar with all third party website privacy statements prior to providing them with any information or enrolling for any promotions or offers.

10. Special Notification for the Residents of Different States

We are a business that is subject to the codes and acts valid in the states and locations corresponding to the individual cases of interaction between the Company and users. It’s possible that in some cases we are required to disclose the identity of any party to which PII information was disclosed to within identified periods. Also, it’s possible that we must disclose the types of personal information shared to these third parties for their marketing purposes. For the residents of some states, who wish to make a request in regards to this information, we recommend to contact our Company directly and process the request individually. We reserve the right to deny the submitted requests that are not relevant to the contact information specified herein.

11. Changes to This Privacy Policy

As a Company, we reserve the right to change, add or remove any portion of our Privacy Policy at any time without prior notice. Should changes be done to this Privacy Policy, updates will be posted herein and we will update the "Last Updated" date, which is located at the bottom of this Privacy Policy. All information will be utilized in accordance with the Privacy Policy, which was enforced at the time the information was collected. All users have the choice to determine whether our Company utilizes their information in this manner.

We encourage our users to check our Website often to assess any potential changes that could affect them. Changes or alterations to the Privacy Policy regarding the Website use will only be applied after the enacted Privacy Policy are revised and signified your acceptance.

12. Privacy Inquiries or Complaints

Our Company strives to ensure that all PII is accurate and complete. Our users are completely in control of the information that we house in order to service you. Users are able to change their PII any time and as frequently as desired. Users may also request PII to be removed.

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